slo mo appo ...?
 

Newbie has question about app-o-ramming:

apps done in clusters = fewer "credit pull" score reductions?

is there slo~mo~appo version where one stretches out app cluster to a number of days that still preserves credit score?
Reason: new offers within time range.
Thanks in advance!

No. You are thinking of credit pulls for mortgage or auto loans. Credit pulls for credit cards are coded differently and don't work like that. The only way you can get two cards with only one hard pull showing is if you apply for two cards from one bank and the bank will do two hard pulls on the same day and these same day pulls are often combined into one by the credit bureaus. But it does not always work like that. You just hope it does.

Other than that the reason people apply for multiple cards on the same day is because your score may drop due to new accounts showing up and it also works out better for your next round of applications because all your inqs will turn 90 days old at the same time and all your new accounts will also be 90 days old at the same time which will likely help you be approved for your next round.

So each credit pull and each new account that reports will likely hurt but much of the hurt goes away after 90 days and is much less after 180 days.

Thanks!
Been at this 2+ years with no deny's yet. (knock knock)
Its less hectic IMO to grab the "better" as they appear,
but am always vigilant pre IRS estimated tax time!
Happy to pay their 1.88-2.25% fee or ~$100 for
~$500-700+ worth hotel/flights, or similar per card bonus...